Payment & business solution
Consumer Financing
Offer eligible customers a way to apply for third-party financing at the point of sale. AMP starts with your current workflow and requirements, then helps compare suitable configurations without promising a specific rate, approval, or savings outcome. Compare merchant fit, implementation steps, limitations, and complete-cost variables before selecting a provider.
Plain-language definition
Consumer Financing for merchant operations
Consumer Financing is a checkout option where a financing provider evaluates the customer and, if approved, pays the merchant. The exact providers, features, and responsibilities depend on the selected configuration and written agreement.
Who it is for
- Owners evaluating consumer financing for a new or existing business
- Teams replacing disconnected checkout or back-office workflows
- Operators who want a documented comparison before changing providers
How evaluation and setup work
- 1Understand sales channels, transaction mix, equipment, and current constraints.
- 2Map requirements and identify compatible options.
- 3Review pricing, responsibilities, implementation needs, and written terms.
- 4Configure, test, train, and monitor after launch when a solution is selected.
Know before you decide
Limitations and responsibilities
- Features and compatibility vary by provider, platform, device, and integration.
- Approval, underwriting, availability, funding timing, and final pricing are not guaranteed.
- Migration may require new equipment, staff training, or third-party coordination.
Complete-cost view
What can affect cost
- Transaction volume and payment mix
- Card-present, keyed, and online channels
- Hardware, software, gateways, and integrations
- Risk profile, provider terms, support, and optional services
Only a written proposal and agreement can establish actual pricing and terms.
Owner questions
Frequently asked questions
What does consumer financing let my business explore?
Consumer Financing provides a path to explore financing offered by third-party providers for an eligible business or customer purchase. Every financing product is subject to a third-party application, approval, and terms. Submitting information to AMP is not an approval, commitment, or guarantee of funding amount, timing, pricing, or availability.
What should I compare before accepting consumer financing terms?
For Consumer Financing, compare the total repayment or purchase obligation, payment schedule, term, fees, effective cost, security or guarantee requirements, prepayment treatment, late-payment consequences, and provider disclosures. Use the final third-party documents—not a marketing summary—to make the decision, and consult qualified financial, tax, or legal advisers when the obligation warrants it.
What information may a financing provider request?
A third-party provider evaluating consumer financing may request business history, ownership details, revenue information, bank activity, intended use of funds, or customer application information, depending on the product. Provide sensitive data only through the provider's approved secure process. AMP's general inquiry forms should not receive Social Security numbers, full bank credentials, passwords, or cardholder data.
How quickly will a financing decision or funding occur?
No consumer financing decision or funding time is guaranteed. Timing depends on the third-party provider, application completeness, verification, underwriting, product, banking process, and final acceptance of terms. Any examples are estimates only. Financing remains subject to third-party application, approval, and terms, and an applicant should plan around the written provider timeline.
Ready for a needs-based conversation?
No unsupported promises—just a clearer next step based on your business.